Amazon pay ICICI credit card Review | A Lifetime free card

Many of us always wanted a credit card with our name on it. Still, due to the complicated application process & hefty charges, it becomes tough to get one. This article answers all your problems that you might be facing to get a credit card. Today we have come with a fantastic deal where you not only get a lifetime free credit card by ICICI bank but also get paid instead of paying anything ever at all. Sounds perfect! Isn’t it? So, let’s do a complete breakdown of this Amazon pay ICICI credit card Offer and look wats in it for the consumer.

The Amazon pay ICICI credit card is of the best Lifetime free credit card that you can get in 2022 for online shopping. The hassle-free application process and the guaranteed cashback on each transection for the whole year makes it a big hit among the online shoppers.

Benefits of getting a lifetime free credit card

Generally, most credit cards are provided by the banks after extensively calculating the customer’s credit score. The bank may ask for an upfront joining fee, and the cost of providing a physical card of your name is also added to it. Except that, more extra money is charged in the form of quarterly, half-yearly, or annually charges. These are maintenance charges levied by the company for the credit card provided by them.

But, if you get a lifetime free credit card similar to the Amazon Pay ICICI credit card, you can save a lot of money by the following means:

1. Easy apply & simple verification process
2. No joining fees
3. No annual charges
4. No maintenance fee
5. No hidden charges

Problems of a lifetime free credit card

Although a lifetime free credit card looks impressive at first glance, there are also some drawbacks. When you compare such cards with a premium paid credit card, you will find out that it lacks some valuable benefits and facilities such as:

1. No international usage
2. No lounge access at airports
3. No air-miles credits
4. No exclusive benefits & discounts from the bank.

Features of Amazon Pay ICICI credit card

The Amazon Pay ICICI credit card is the result of the collaboration between ICICI bank and the e-commerce giant Amazon. This card has gained popularity very fast inside India due to its lifetime free offer and Amazon pay cashback. Other than no charges for a lifetime, let’s see what other feature you are going to get if you opt for this card :

1. A VISA-enabled card that you can use as any other premium credit card.
2. No joining, annual fees, or hidden charges at all.
3. Instant ₹300 cashback on approval (limited time offer)
4. Flat 5% reward points for Amazon prime members (1 reward pt = ₹1 in amazon pay balance)
5. 3% reward points for non-prime users
6. 2% reward points for adding money to Amazon wallet
7. Flat 2% reward points on paying online through amazon pay.
8. 1% fuel surcharge waiver across all petrol pumps
9. No cost EMI facility for all purchase above ₹3000
10. A Minimum of 15% discount on your dining bill at participating restaurants of the ICICI Bank Culinary Treats Program.
11. No minimum order amount for the rewards and no top capping as well.

Amazon pay ICICI credit card eligibility

Here are the four eligibility criterion for Amazon pay ICICI credit card :

1. Your age should be between 18-60 years.
2. Right now, the card is being Offered to both Salaried and Self-employed Applicants.
3. Check for service availability in your city by registering on amazon.
4. You will need an approval from the bank based on your documents.

Computation of income for Amazon ICICI credit card – Minimum income required

The salary or income requirements are as follows :

• Rs. 25,000 for ICICI Customers
• Rs. 35,000 for other applicants

However, this amount is not officially declared on the Amazon India website. You can talk it out with the ICICI Bank officer when he calls you for KYC verification.

Amazon ICICI credit card Documents Required for applying

During the KYC verification through the bank, the following documents may be required to complete your application process :

1. Any one of the government-issued address proof: Aadhaar/Driving license/Passport/Voter card
2. PAN card (only if your full DOB is not mentioned on the Aadhaar card).
3. Income Documents: Latest Salary Slip & 3-month bank statements (for salaried)
4. Latest ITR with income computation statement (for self-employed)

So, please keep these documents handy. And, for any questions on documents required, you can refer to the e-mail sent to your registered e-mail address by ICICI Bank. You can also call their customer care to ask about your query.

A 9-step Application process to apply for Amazon pay ICICI credit card in 2022

Different methods of completing KYC for Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card offers two modes of completing KYC verification:

Video KYC for Amazon pay ICICI credit card:

You are required to provide PAN card and Aadhaar details followed by video-based verification with ICICI Bank officer. You will be required to come on camera by accepting the ICICI Bank officer’s call request and complete your video KYC call by answering a few questions asked by the office and showing the original PAN card copy.

In-person verification for Amazon pay ICICI credit card:

You will need to schedule a KYC appointment for the in-person KYC verification process. They are currently covering 63 cities. The list of serviceable pin-codes is already available on the website. If your city is on the list, A KYC agent will visit you to complete your application form.

Amazon Pay ICICI Bank Credit Card Bill Payment

You can pay the outstanding bill using any of the following modes :

1. Net Banking
2. Mobile Banking
3. Payment Gateway

As the bill generates, you would receive an SMS and e-mail indicating the total dues, minimum due, the payment’s due date, etc. You can thus keep sufficient balance to pay yourself via net banking or mobile banking.

Toll-Free No. for Amazon Pay ICICI Bank Credit Card – 1800 102 0123

Pros & Cons of Amazon pay ICICI credit card

Why you should buy ?

• Easy application process through video KYC.
• No joining fees & annual charges
• No limits on earnings and no minimum redemption amount
• Cashback on all online transactions
• No need for any pre-existing savings bank account.

Why you shouldn’t ?

• No lounge access in airports.
• Zero benefits on travel, entertainment, or any other category apart from shopping.
• Not suitable for international usage.
• Major cashbacks are only for Amazon prime members.

Best for : Online Buyers who shop on Amazon frequently

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